The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$58,063
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,869
−HK$1,835/mo
Today · 4.125%
HK$61,704
baseline
▲ 0.50% · 4.625%
HK$65,459
+HK$3,755/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$123,408/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,595
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,327
−HK$1,758/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$71,673
+HK$3,588/mo
Deposit HK$12.73M · loan HK$12.73M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,676
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,843
−HK$2,202/mo
Today · 4.125%
HK$74,045
baseline
▲ 0.50% · 4.625%
HK$78,551
+HK$4,506/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$148,090/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,514
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,593
−HK$2,108/mo
Today · 4.125%
HK$81,701
baseline
▲ 0.50% · 4.625%
HK$86,008
+HK$4,307/mo
Deposit HK$10.19M · loan HK$15.28M · min. income ≈ HK$163,402/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,288
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$83,817
−HK$2,569/mo
Today · 4.125%
HK$86,386
baseline
▲ 0.50% · 4.625%
HK$91,642
+HK$5,256/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$172,772/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,433
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,858
−HK$2,460/mo
Today · 4.125%
HK$95,318
baseline
▲ 0.50% · 4.625%
HK$100,343
+HK$5,025/mo
Deposit HK$7.64M · loan HK$17.82M · min. income ≈ HK$190,636/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,514
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,765
−HK$3,303/mo
Today · 4.125%
HK$111,068
baseline
▲ 0.50% · 4.625%
HK$117,826
+HK$6,758/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$222,136/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,270
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,389
−HK$3,163/mo
Today · 4.125%
HK$122,552
baseline
▲ 0.50% · 4.625%
HK$129,012
+HK$6,460/mo
Deposit HK$2.55M · loan HK$22.92M · min. income ≈ HK$245,104/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$1,082,197 · Scale 2, in force from 26 Feb 2026)